Civic Intelligence

Credit Unions Chartered in the State of Michigan Extra Credit Union

990 • Fiscal year 2017 • EIN 38-1536749

Jan 01, 2017 to Dec 31, 2017 • Filed on Aug 22, 2018

Organization ProfileWWW.EXTRACREDITUNION.ORG

View Organization Page

6611 Chicago RoadWarren, MI 48092

(586) 276-3000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

72nd percentile

0.91x

Higher debt load relative to assets than 72% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

16th percentile

13.58x

Higher debt load relative to revenue than 16% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

55th percentile

13%

Higher net margin than 55% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

93rd percentile

$401,545

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

48th percentile

3.7%

Faster asset growth than 48% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

91st percentile

17%

Faster revenue growth than 91% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$221,776,917

Up $7,910,376 (+3.7%) from 2016

Net Assets

Up

$20,334,932

Up $1,916,701 (+10%) from 2016

Liabilities

Up

$201,441,985

Up $5,993,675 (+3.1%) from 2016

Revenue And Expenses
Liabilities / Revenue16th percentileNet Margin55th percentile

Revenue

Up

$14,831,444

Up $2,136,859 (+17%) from 2016

Expenses

Up

$12,959,650

Up $1,794,737 (+16%) from 2016

Net Income

Up

$1,871,794

Up $342,122 (+22%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$400M$300M$200M$100M$0Assets 2011: $194,960,167Liabilities 2011: $180,847,355Net Assets 2011: $14,112,8122011Assets 2012: $192,872,029Liabilities 2012: $178,211,291Net Assets 2012: $14,660,7382012Assets 2013: $192,662,177Liabilities 2013: $177,410,421Net Assets 2013: $15,251,7562013Assets 2014: $194,765,047Liabilities 2014: $178,096,476Net Assets 2014: $16,668,5712014Assets 2015: $202,273,212Liabilities 2015: $184,822,740Net Assets 2015: $17,450,4722015Assets 2016: $213,866,541Liabilities 2016: $195,448,310Net Assets 2016: $18,418,2312016Assets 2017: $221,776,917Liabilities 2017: $201,441,985Net Assets 2017: $20,334,9322017Assets 2018: $231,278,409Liabilities 2018: $209,695,517Net Assets 2018: $21,582,8922018Assets 2019: $236,332,868Liabilities 2019: $210,000,041Net Assets 2019: $26,332,8272019Assets 2020: $290,366,632Liabilities 2020: $256,671,264Net Assets 2020: $33,695,3682020Assets 2021: $324,083,688Liabilities 2021: $288,008,427Net Assets 2021: $36,075,2612021Assets 2022: $314,332,667Liabilities 2022: $283,177,656Net Assets 2022: $31,155,0112022Assets 2023: $311,717,527Liabilities 2023: $274,068,248Net Assets 2023: $37,649,2792023Assets 2024: $317,846,583Liabilities 2024: $273,294,423Net Assets 2024: $44,552,1602024

Highlighted filing

2017

Assets$221,776,917
Liabilities$201,441,985
Net Assets$20,334,932
Open 2017 Filing

Operations Trend

Revenue Growth91st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0Expenses 2011: $10,168,9602011Expenses 2012: $9,580,4892012Revenue 2013: $11,224,981Expenses 2013: $10,042,824Net Income 2013: $1,182,1572013Revenue 2014: $11,016,578Expenses 2014: $9,861,368Net Income 2014: $1,155,2102014Revenue 2015: $11,294,391Expenses 2015: $10,467,291Net Income 2015: $827,1002015Revenue 2016: $12,694,585Expenses 2016: $11,164,913Net Income 2016: $1,529,6722016Revenue 2017: $14,831,444Expenses 2017: $12,959,650Net Income 2017: $1,871,7942017Revenue 2018: $17,630,120Expenses 2018: $15,670,873Net Income 2018: $1,959,2472018Revenue 2019: $19,034,085Expenses 2019: $16,286,151Net Income 2019: $2,747,9342019Revenue 2020: $19,980,667Expenses 2020: $13,847,394Net Income 2020: $6,133,2732020Revenue 2021: $18,894,161Expenses 2021: $13,912,428Net Income 2021: $4,981,7332021Revenue 2022: $20,868,717Expenses 2022: $16,640,278Net Income 2022: $4,228,4392022Revenue 2023: $24,218,411Expenses 2023: $19,212,785Net Income 2023: $5,005,6262023Revenue 2024: $26,104,511Expenses 2024: $21,905,872Net Income 2024: $4,198,6392024

Highlighted filing

2017

Revenue$14,831,444
Expenses$12,959,650
Net Income$1,871,794
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Aug 22, 2018
Return Version
2017v2.3
Gross Receipts
$16,334,610
Mission and Program Overview

Mission

To enhance the financial well-being of members and potential members by providing quality, value, and convenience in our products and services which promotes member confidence and loyalty while maintaining financial stability.

To provide financial services to member owners with a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$109,013,955$123,849,673▲ $14,835,718
Investments Other Securities$73,186,251$71,040,651▼ $2,145,600
Rtn Earn Endowment Incm Other Fnds$18,418,231$20,334,932▲ $1,916,701
Investments Program Related$11,180,582$11,045,733▼ $134,849
Land, Buildings, and Equipment, Net$7,077,877$6,781,725▼ $296,152
Savings and Temporary Cash Investments$7,353,834$3,034,483▼ $4,319,351
Cash and Non-Interest-Bearing Accounts$1,944,867$1,762,491▼ $182,376
Accounts Receivable$607,471$759,396▲ $151,925
Prepaid Expenses and Deferred Charges$563,570$522,694▼ $40,876
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$213,866,541$221,776,917▲ $7,910,376
Other Assets Total$2,938,134$2,980,071▲ $41,937
Liabilities
Other Liabilities$193,334,082$199,310,918▲ $5,976,836
Accounts Payable and Accrued Expenses$2,114,228$2,131,067▲ $16,839
Total Liabilities$195,448,310$201,441,985▲ $5,993,675
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,418,231$20,334,932▲ $1,916,701
Total Liabilities and Net Assets / Fund Balance$213,866,541$221,776,917▲ $7,910,376

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,057,431$3,589,341$8,646,772
Equipment$1,077,653$2,938,058$4,015,711
Land$640,637-$640,637
Leasehold Improvements$6,004$299,419$305,423
Other Securities$71,040,651--
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deidra M WilliamsCEOFT$288,095$113,450$401,545
Kristin KasinecVP of FinanceFT$130,863$52,812$183,675
Carol ViscontiVP of Member ServicesFT$125,296$19,807$145,103

Board Members and Trustees

NameTitle
Anne CovertChairman
Donald SlagelVice-chairman
Claudia MullinBoard Director
Dennis BrooksBoard Director
John PermaloffBoard Director
Tammy FindlaySecretary
Matthew DanielsTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Vault ItIt ConsultingPO BOX 2183, Royal Oak, MI 48068$135,650
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$13,171,497
Investment Income
$1,659,947
Other Revenue
$0
Change in Net Assets
$1,871,794

Audited Revenue Reconciliation

Revenue per Audited Statements
$14,850,878
Revenue Not Reported on Financial Statements
$-19,434
Revenue Not Reported on Form 990
$44,907
Other Revenue Adjustments
$-19,434
Total Revenue per Audited Statements
$14,895,785
Total Revenue per Form 990
$14,831,444
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,882,074
Salaries, Compensation, and Employee Benefits$5,077,576
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,272,834
Information Technology---$755,784
Current Officers, Directors, Trustees, and Key Employees---$730,325
Other Employee Benefits---$648,424
Depreciation Depletion---$597,327
Occupancy---$492,267
Other Expenses---$372,133
Office Expenses---$317,595
Payroll Taxes---$297,234
All Other Expenses---$297,201
Interest---$290,405
Advertising---$261,947
Conferences and Meetings---$178,171
Pension Plan Contributions---$128,759
Fees for Services Other---$123,302
Fees for Services Legal---$109,953
Insurance---$69,149
Fees for Services Accounting---$56,773
Total Functional Expenses$0$0$0$12,959,650

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,979,084
Expenses per Audited Statements$12,959,650
Total Expenses per Form 990$12,959,650
Expenses Not Reported on Form 990$19,434
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$199,310,918
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has a single class of members with equal rights of ownership, governance, and voting.”

Form 990, Part VI, Section A, Line 7A

“Board members can be nominated by current board members or by a petition signed by 50 members. Board members are elected by a majority ballot vote if necessary for a three year term.”

Form 990, Part VI, Section A, Line 7B

“Credit union decisions that are subject to membership approval are mergers, charter changes, dissolution of the credit union, conversion of the credit union to a bank, mutual savings bank or mutual savings association, stock savings bank, or stock savings and loan association.”

Form 990, Part VI, Section B, Line 11B

“A review is conducted by the president/ceo and vp of finance prior to submission to the irs. The returns are made available to the board of directors for review.”

Form 990, Part VI, Section B, Line 12C

“Each director is required to sign an oath of office in march annually. Oath #7 states the director will report to the president/ceo any conflicts of interest, or potential conflicts of interest, as they would directly impact extra credit union.”

Form 990, Part VI, Section B, Line 15

“The ceo's performance review is completed by the board of directors. Meetings are held to complete this process. Executive management reviews are completed by the ceo and reviewed by the human resource manager, and are completed in a software system utilitzed throughout the organization. Key employee reviews are completed by the manager, approved by the ceo, and reviewed by the human resource manager.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby. The board of directors is listed on the website and posted in the lobby. Other documents and policies are available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the 384
EIN
38-1536749
Phone
5862763000
Address
6611 CHICAGO ROAD, WARREN, MI 48092

Signing Officer

Name
Kristin Kasinec
Title
VP Finance
Phone
5862763000
Signed
2018-08-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kristin Kasinec
Formed
1954
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
88
Volunteers
7

Preparer

Firm
Rehmann Robson LLC
Address
5800 GRATIOT PO BOX 2025, SAGINAW, MI 48605-2025
Preparer
Jeffrey E Hert CPA
Phone
9897999580
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The process has not changed from the previous year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union has evaluated its income tax filing positions for the years 2014 through 2017, the years which remain subject to examination by major tax jurisdictions as of december 31, 2017. The credit union concluded that there are no significant uncertain tax positions requiring recognition in the credit union's financial statements. The credit union does not expect the total amount of unrecognized tax benefits ("utb") (e.g., tax deductions, exclusions, or credits claimed or expected to be claimed) to significantly change in the next 12 months. The credit union does not have any amounts accrued for interest and penalties related to utbs at december 31, 2017 and 2016, and it is not aware of any claims for such amounts by federal or state income tax authorities.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on sale of assets -19,434.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of assets 19,434.”

Raw XML AppendixShowing 400 of 469 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02114228
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02131067
IRS990/AccountsReceivableGrp/BOYAmt0607471
IRS990/AccountsReceivableGrp/EOYAmt0759396
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.
IRS990/AdvertisingGrp/TotalAmt0261947
IRS990/AllOtherExpensesGrp/TotalAmt0297201
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0KRISTIN KASINEC
IRS990/BooksInCareOfDetail/PhoneNum05862763125
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06611 CHICAGO ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0WARREN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048092
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01944867
IRS990/CashNonInterestBearingGrp/EOYAmt01762491
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0730325
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0178171
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0135650
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 2183
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0ROYAL OAK
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd048068
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0VAULT IT
IRS990/ContractorCompensationGrp/ServicesDesc0IT CONSULTING
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01659947
IRS990/CYOtherExpensesAmt07882074
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt013171497
IRS990/CYRevenuesLessExpensesAmt01871794
IRS990/CYSalariesCompEmpBnftPaidAmt05077576
IRS990/CYTotalExpensesAmt012959650
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt014831444
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0597327
IRS990/Desc0PROVIDED 20,276 MEMBERS WITH REGULAR SAVINGS, SHARE DRAFTS, CERTIFICATES OF DEPOSIT, IRA, MONEY MARKET ACCOUNTS TOTALING $193,310,917.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt088
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt056773
IRS990/FeesForServicesLegalGrp/TotalAmt0109953
IRS990/FeesForServicesOtherGrp/TotalAmt0123302
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt760.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt850.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt731711
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt825561
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt919807
IRS990/Form990PartVIISectionAGrp/PersonNm0ANNE COVERT
IRS990/Form990PartVIISectionAGrp/PersonNm1DONALD SLAGEL
IRS990/Form990PartVIISectionAGrp/PersonNm2MATTHEW DANIELS
IRS990/Form990PartVIISectionAGrp/PersonNm3TAMMY FINDLAY
IRS990/Form990PartVIISectionAGrp/PersonNm4DENNIS BROOKS
IRS990/Form990PartVIISectionAGrp/PersonNm5CLAUDIA MULLIN
IRS990/Form990PartVIISectionAGrp/PersonNm6JOHN PERMALOFF
IRS990/Form990PartVIISectionAGrp/PersonNm7DEIDRA M WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm8KRISTIN KASINEC
IRS990/Form990PartVIISectionAGrp/PersonNm9CAROL VISCONTI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7369834
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8158114
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9125296
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF MEMBER SERVICES
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-19434
IRS990/GainOrLossGrp/SecuritiesAmt07091
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01490823
IRS990/GrossReceiptsAmt016334610
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0755784
IRS990/InsuranceGrp/TotalAmt069149
IRS990/InterestGrp/TotalAmt0290405
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01672290
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01672290
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt073186251
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt071040651
IRS990/InvestmentsProgramRelatedGrp/BOYAmt011180582
IRS990/InvestmentsProgramRelatedGrp/EOYAmt011045733
IRS990/IRPDocumentCnt03097
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06826818
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07077877
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06781725
IRS990/LandBldgEquipCostOrOtherBssAmt013608543
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt019434
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01483732
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO ENHANCE THE FINANCIAL WELL-BEING OF MEMBERS AND POTENTIAL MEMBERS BY PROVIDING QUALITY, VALUE, AND CONVENIENCE IN OUR PRODUCTS AND SERVICES WHICH PROMOTES MEMBER CONFIDENCE AND LOYALTY WHILE MAINTAINING FINANCIAL STABILITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt018418231
IRS990/NetAssetsOrFundBalancesEOYAmt020334932
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-12343
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-12343
IRS990/NetUnrelatedBusTxblIncmAmt0-59423
IRS990/NetUnrlzdGainsLossesInvstAmt044907
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0492267
IRS990/OfficeExpensesGrp/TotalAmt0317595
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02938134
IRS990/OtherAssetsTotalGrp/EOYAmt02980071
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0648424
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS OPERATING
IRS990/OtherExpensesGrp/TotalAmt02688645
IRS990/OtherExpensesGrp/TotalAmt1725078
IRS990/OtherExpensesGrp/TotalAmt2546344
IRS990/OtherExpensesGrp/TotalAmt3372133
IRS990/OtherLiabilitiesGrp/BOYAmt0193334082
IRS990/OtherLiabilitiesGrp/EOYAmt0199310918
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt03272834
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0109013955
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0123849673
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0297234
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0128759
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0563570
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0522694
IRS990/PrincipalOfficerNm0KRISTIN KASINEC
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08658595
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12559589
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21877580
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08658595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12568809
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21944093
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt09220
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt166513
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE 37,715 LOANS INCLUDING VEHICLE, PERSONAL, MORTGAGE, RECREATIONAL VEHICLE, AND HOME EQUITY LOANS TOTALING $61,784,282.
IRS990/ProgSrvcAccomActy3Grp/Desc0OFFER AUTOMATED TELLER MACHINES, DEBIT CARDS, INTERNATIONAL REMITTANCES, BILL PAYER, STUDENT SCHOLARSHIPS, OVERDRAFT PROTECTION/COURTESY PAY, FINANCIAL EDUCATION AND COUNSELING AND VARIOUS INSURANCE AND INVESTMENT PROGRAMS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01761804
IRS990/PYOtherExpensesAmt06717366
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt010932781
IRS990/PYRevenuesLessExpensesAmt01529672
IRS990/PYSalariesCompEmpBnftPaidAmt04447547
IRS990/PYTotalExpensesAmt011164913
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012694585
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt01871794
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt018418231
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt020334932
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07353834
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03034483
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05057431
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03589341
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08646772
IRS990ScheduleD/EquipmentGrp/BookValueAmt01077653
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02938058
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04015711
IRS990ScheduleD/ExpensesNotReportedAmt019434
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt012959650
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0640637
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0640637
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt06004
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0299419
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0305423
IRS990ScheduleD/NetUnrealizedGainsInvstAmt044907
IRS990ScheduleD/OtherExpensesIncludedAmt019434
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0199310918
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-19434
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt071040651
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/RevenueNotReportedAmt044907
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-19434
IRS990ScheduleD/RevenueSubtotalAmt014850878
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS EVALUATED ITS INCOME TAX FILING POSITIONS FOR THE YEARS 2014 THROUGH 2017, THE YEARS WHICH REMAIN SUBJECT TO EXAMINATION BY MAJOR TAX JURISDICTIONS AS OF DECEMBER 31, 2017. THE CREDIT UNION CONCLUDED THAT THERE ARE NO SIGNIFICANT UNCERTAIN TAX POSITIONS REQUIRING RECOGNITION IN THE CREDIT UNION'S FINANCIAL STATEMENTS. THE CREDIT UNION DOES NOT EXPECT THE TOTAL AMOUNT OF UNRECOGNIZED TAX BENEFITS ("UTB") (E.G., TAX DEDUCTIONS, EXCLUSIONS, OR CREDITS CLAIMED OR EXPECTED TO BE CLAIMED) TO SIGNIFICANTLY CHANGE IN THE NEXT 12 MONTHS. THE CREDIT UNION DOES NOT HAVE ANY AMOUNTS ACCRUED FOR INTEREST AND PENALTIES RELATED TO UTBS AT DECEMBER 31, 2017 AND 2016, AND IT IS NOT AWARE OF ANY CLAIMS FOR SUCH AMOUNTS BY FEDERAL OR STATE INCOME TAX AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1LOSS ON SALE OF ASSETS -19,434.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2LOSS ON SALE OF ASSETS 19,434.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06781725
IRS990ScheduleD/TotalBookValueSecuritiesAmt071040651
IRS990ScheduleD/TotalExpensesPerForm990Amt012959650
IRS990ScheduleD/TotalLiabilityAmt0199310918
IRS990ScheduleD/TotalRevenuePerForm990Amt014831444
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt014895785
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012979084
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0288095
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1130863
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount081739
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount127251
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt031711
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt125561
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DEIDRA M WILLIAMS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KRISTIN KASINEC
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VP OF FINANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0401545
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1183675
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS WITH EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE, AND VOTING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD MEMBERS CAN BE NOMINATED BY CURRENT BOARD MEMBERS OR BY A PETITION SIGNED BY 50 MEMBERS. BOARD MEMBERS ARE ELECTED BY A MAJORITY BALLOT VOTE IF NECESSARY FOR A THREE YEAR TERM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CREDIT UNION DECISIONS THAT ARE SUBJECT TO MEMBERSHIP APPROVAL ARE MERGERS, CHARTER CHANGES, DISSOLUTION OF THE CREDIT UNION, CONVERSION OF THE CREDIT UNION TO A BANK, MUTUAL SAVINGS BANK OR MUTUAL SAVINGS ASSOCIATION, STOCK SAVINGS BANK, OR STOCK SAVINGS AND LOAN ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A REVIEW IS CONDUCTED BY THE PRESIDENT/CEO AND VP OF FINANCE PRIOR TO SUBMISSION TO THE IRS. THE RETURNS ARE MADE AVAILABLE TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EACH DIRECTOR IS REQUIRED TO SIGN AN OATH OF OFFICE IN MARCH ANNUALLY. OATH #7 STATES THE DIRECTOR WILL REPORT TO THE PRESIDENT/CEO ANY CONFLICTS OF INTEREST, OR POTENTIAL CONFLICTS OF INTEREST, AS THEY WOULD DIRECTLY IMPACT EXTRA CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO'S PERFORMANCE REVIEW IS COMPLETED BY THE BOARD OF DIRECTORS. MEETINGS ARE HELD TO COMPLETE THIS PROCESS. EXECUTIVE MANAGEMENT REVIEWS ARE COMPLETED BY THE CEO AND REVIEWED BY THE HUMAN RESOURCE MANAGER, AND ARE COMPLETED IN A SOFTWARE SYSTEM UTILITZED THROUGHOUT THE ORGANIZATION. KEY EMPLOYEE REVIEWS ARE COMPLETED BY THE MANAGER, APPROVED BY THE CEO, AND REVIEWED BY THE HUMAN RESOURCE MANAGER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY. THE BOARD OF DIRECTORS IS LISTED ON THE WEBSITE AND POSTED IN THE LOBBY. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PROCESS HAS NOT CHANGED FROM THE PREVIOUS YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0213866541
IRS990/TotalAssetsEOYAmt0221776917
IRS990/TotalAssetsGrp/BOYAmt0213866541

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$221,776,917
Liabilities
$201,441,985
Net assets
$20,334,932
Revenue
$14,831,444
Expenses
$12,959,650
Net income
$1,871,794
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$318$273$44.6$26.1$21.9$4.20
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$274$37.6$24.2$19.2$5.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$314$283$31.2$20.9$16.6$4.23
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$324$288$36.1$18.9$13.9$4.98
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$290$257$33.7$20.0$13.8$6.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$236$210$26.3$19.0$16.3$2.75
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$231$210$21.6$17.6$15.7$1.96
2017Detailed filing. Detailed filing data is available for this year.$222$201$20.3$14.8$13.0$1.87
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$214$195$18.4$12.7$11.2$1.53
2015Detailed filing. Detailed filing data is available for this year.$202$185$17.5$11.3$10.5$0.83
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$195$178$16.7$11.0$9.86$1.16
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$193$177$15.3$11.2$10.0$1.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$193$178$14.7$9.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$195$181$14.1$10.2